| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | OXFORD HEALTH INSURANCE, INC. | $4K | — | $4K | 0.38% |
| DONALD C SAVOY INC3 | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE | 340 MADISON AVE, FL 21 NEW YORK, NY 10173 | UNITED HEALTHCARE INSURANCE COMPANY | $872 | — | $872 | 1.25% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY | 100 QUANNAPOWITT PKWY, STE 300 WAKEFIELD, MA 01880 | UNITED HEALTHCARE INSURANCE COMPANY | $286 | — | $286 | 0.41% |
| SENTINEL INSURANCE AGENCY, INC.3 | 100 QUANNAPOWITT PKWY, SUITE 300 WAKEFIELD, MA 01880 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 8.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $476 | $2K | 7.18% |
| THE D B L CENTER LTD3 Filed as: THE D.B.L. CENTER, LTD | 155 PINELAW ROAD, SUITE 120 S MELVILLE, NY 11747 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY INC. | 100 QUANNAPOWITT PKWY, STE 300 WAKEFIELD, MA 01880 | VISION SERVICE PLAN | $514 | — | $514 | 7.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADIOSN AVE, FL 21 NEW YORK, NY 101730401 | VISION SERVICE PLAN | $59 | — | $59 | 0.84% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 73 | $932K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $70K |
| Vision | VISION SERVICE PLAN | 40 | $7K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 115 | $22K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 115 | $22K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 115 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.